id	sid	eid	entity	type
fsr-3378	1	1	l. douglas smith	PERSON
fsr-3378	1	2	ph.d.a	ORG
fsr-3378	1	3	michael staten	PERSON
fsr-3378	1	4	ph.d.b	ORG
fsr-3378	1	5	thomas eyssell	PERSON
fsr-3378	1	6	ph.d.c	GPE
fsr-3378	1	7	maureen karig	PERSON
fsr-3378	1	8	jeffrey feinstein	PERSON
fsr-3378	1	9	ph.d.e	ORG
fsr-3378	1	10	cathleen johnson	PERSON
fsr-3378	1	11	ph.d.f	NORP
fsr-3378	1	12	university of missouri-st. louis	ORG
fsr-3378	1	13	one	CARDINAL
fsr-3378	1	14	st. louis	GPE
fsr-3378	1	15	usa bcollege	PERSON
fsr-3378	1	16	university of arizona	ORG
fsr-3378	1	17	forbes hall	ORG
fsr-3378	1	18	211	CARDINAL
fsr-3378	1	19	tucson	GPE
fsr-3378	1	20	85721	CARDINAL
fsr-3378	1	21	usa cdepartment	PERSON
fsr-3378	1	22	university of missouri-st. louis	ORG
fsr-3378	1	23	one	CARDINAL
fsr-3378	1	24	st. louis	GPE
fsr-3378	1	25	university of missouri-st. louis	ORG
fsr-3378	1	26	one	CARDINAL
fsr-3378	1	27	st. louis	GPE
fsr-3378	1	28	1000	CARDINAL
fsr-3378	1	29	alpharetta	GPE
fsr-3378	1	30	ga 30005, usa fdepartment of philosophy	ORG
fsr-3378	1	31	university of arizona	ORG
fsr-3378	1	32	1145	CARDINAL
fsr-3378	1	33	tucson	GPE
fsr-3378	1	34	85721	CARDINAL
fsr-3378	1	35	, usa abstract	ORG
fsr-3378	5	1	2018	DATE
fsr-3378	7	1	jel	ORG
fsr-3378	9	1	1-314	CARDINAL
fsr-3378	10	1	nldsmith@umsl.edu	CARDINAL
fsr-3378	10	2	l.d. smith	PERSON
fsr-3378	10	3	27	CARDINAL
fsr-3378	10	4	2018	DATE
fsr-3378	10	5	1	CARDINAL
fsr-3378	10	6	2018	DATE
fsr-3378	12	1	1	CARDINAL
fsr-3378	12	2	the united states	GPE
fsr-3378	13	1	third	ORDINAL
fsr-3378	14	1	three	CARDINAL
fsr-3378	14	2	the united states	GPE
fsr-3378	14	3	equifax	ORG
fsr-3378	14	4	experian	ORG
fsr-3378	14	5	approximately 200 million	CARDINAL
fsr-3378	14	6	nearly two billion	MONEY
fsr-3378	14	7	each month	DATE
fsr-3378	14	8	avery, calem	ORG
fsr-3378	14	9	bostic	ORG
fsr-3378	14	10	2003	DATE
fsr-3378	15	1	u.s.	GPE
fsr-3378	21	1	1970	DATE
fsr-3378	21	2	the united states	GPE
fsr-3378	22	1	1996	DATE
fsr-3378	23	1	2003	DATE
fsr-3378	23	2	2003	DATE
fsr-3378	23	3	cate	ORG
fsr-3378	23	4	2004	DATE
fsr-3378	23	5	fcra	ORG
fsr-3378	24	1	designates	ORG
fsr-3378	28	1	lyons	PERSON
fsr-3378	28	2	rachlis	NORP
fsr-3378	28	3	2007	DATE
fsr-3378	30	1	2012	DATE
fsr-3378	30	2	the national foundation for credit counseling	ORG
fsr-3378	30	3	2012	DATE
fsr-3378	30	4	just 38%	PERCENT
fsr-3378	30	5	the previous 12 months	DATE
fsr-3378	30	6	ftc	ORG
fsr-3378	30	7	annual	DATE
fsr-3378	31	1	lowrey	GPE
fsr-3378	31	2	2000	DATE
fsr-3378	32	1	2	CARDINAL
fsr-3378	32	2	smith et al	PERSON
fsr-3378	32	3	27	CARDINAL
fsr-3378	32	4	2018	DATE
fsr-3378	32	5	1	CARDINAL
fsr-3378	33	1	154	CARDINAL
fsr-3378	33	2	the united states	GPE
fsr-3378	33	3	79%	PERCENT
fsr-3378	33	4	one-fourth	CARDINAL
fsr-3378	33	5	2004	DATE
fsr-3378	34	1	congress	ORG
fsr-3378	34	2	at least eight million	CARDINAL
fsr-3378	34	3	americans	NORP
fsr-3378	34	4	tens of thousands of dollars	MONEY
fsr-3378	34	5	30-year	DATE
fsr-3378	34	6	2003	DATE
fsr-3378	36	1	avery	ORG
fsr-3378	36	2	2012	DATE
fsr-3378	36	3	over 200,000	CARDINAL
fsr-3378	41	1	the university of missouri-st louis	ORG
fsr-3378	41	2	the university of arizona	ORG
fsr-3378	41	3	the federal trade commission	ORG
fsr-3378	41	4	ftc	ORG
fsr-3378	41	5	1,001	CARDINAL
fsr-3378	41	6	u.s.	GPE
fsr-3378	41	7	three	CARDINAL
fsr-3378	41	8	u.s.	GPE
fsr-3378	41	9	credit bureaus	ORG
fsr-3378	41	10	2013	DATE
fsr-3378	42	1	twenty-six percent	PERCENT
fsr-3378	42	2	at least one	CARDINAL
fsr-3378	42	3	the university research associates	ORG
fsr-3378	43	1	78%	PERCENT
fsr-3378	43	2	20%	PERCENT
fsr-3378	43	3	at least one	CARDINAL
fsr-3378	44	1	thirty-three percent	PERCENT
fsr-3378	44	2	8.7%	PERCENT
fsr-3378	44	3	10	CARDINAL
fsr-3378	44	4	one	CARDINAL
fsr-3378	44	5	21%	PERCENT
fsr-3378	44	6	5.5%	PERCENT
fsr-3378	44	7	one	CARDINAL
fsr-3378	47	1	2013	DATE
fsr-3378	49	1	3l.d	CARDINAL
fsr-3378	50	1	smith et al	PERSON
fsr-3378	50	2	27	CARDINAL
fsr-3378	50	3	2018	DATE
fsr-3378	50	4	1	CARDINAL
fsr-3378	52	1	2	CARDINAL
fsr-3378	53	1	3	CARDINAL
fsr-3378	55	1	three	CARDINAL
fsr-3378	57	1	2	CARDINAL
fsr-3378	57	2	the 1950s	DATE
fsr-3378	58	1	55%	PERCENT
fsr-3378	58	2	1960	DATE
fsr-3378	58	3	133%	PERCENT
fsr-3378	58	4	2007	DATE
fsr-3378	58	5	glick	PERSON
fsr-3378	58	6	lansing	GPE
fsr-3378	58	7	2009	DATE
fsr-3378	59	1	payday	DATE
fsr-3378	59	2	bricker et al.	PERSON
fsr-3378	59	3	2014	DATE
fsr-3378	63	1	2.1	CARDINAL
fsr-3378	64	1	o’neill	ORG
fsr-3378	64	2	xiao	PERSON
fsr-3378	64	3	2014	DATE
fsr-3378	64	4	over 1,000	CARDINAL
fsr-3378	66	1	javine	PERSON
fsr-3378	66	2	2013	DATE
fsr-3378	66	3	521	CARDINAL
fsr-3378	67	1	african americans	NORP
fsr-3378	67	2	first	ORDINAL
fsr-3378	67	3	a later year	DATE
fsr-3378	68	1	4 l.d	QUANTITY
fsr-3378	68	2	smith et al	PERSON
fsr-3378	68	3	27	CARDINAL
fsr-3378	68	4	2018	DATE
fsr-3378	68	5	1	CARDINAL
fsr-3378	68	6	10,000	MONEY
fsr-3378	69	1	smith	ORG
fsr-3378	69	2	huston	PERSON
fsr-3378	69	3	2012	DATE
fsr-3378	70	1	americans	NORP
fsr-3378	71	1	7,592	CARDINAL
fsr-3378	71	2	between 1968 and 2003	DATE
fsr-3378	71	3	2007	DATE
fsr-3378	71	4	noncollateralized	ORG
fsr-3378	73	1	2.2	CARDINAL
fsr-3378	73	2	sullivan	PERSON
fsr-3378	73	3	warren	PERSON
fsr-3378	73	4	westbrook	ORG
fsr-3378	73	5	2006	DATE
fsr-3378	73	6	three decades	DATE
fsr-3378	74	1	ratcliffe et al	PERSON
fsr-3378	75	1	2014	DATE
fsr-3378	75	2	the united states	GPE
fsr-3378	76	1	september 2013	DATE
fsr-3378	76	2	at least 30 days	DATE
fsr-3378	77	1	nearly 12 million	MONEY
fsr-3378	77	2	american	NORP
fsr-3378	77	3	5.3%	PERCENT
fsr-3378	77	4	2,258	MONEY
fsr-3378	78	1	77 million	CARDINAL
fsr-3378	78	2	american	NORP
fsr-3378	78	3	35%	PERCENT
fsr-3378	78	4	5,178	MONEY
fsr-3378	80	1	2.3	CARDINAL
fsr-3378	82	1	norvilitis	GPE
fsr-3378	82	2	maclean	GPE
fsr-3378	82	3	2010	DATE
fsr-3378	83	1	2007	DATE
fsr-3378	83	2	tang	PERSON
fsr-3378	83	3	1992	DATE
fsr-3378	84	1	1,000	CARDINAL
fsr-3378	84	2	2010	DATE
fsr-3378	84	3	bell et al	ORG
fsr-3378	85	1	2014	DATE
fsr-3378	85	2	5l.d	CARDINAL
fsr-3378	86	1	smith et al	PERSON
fsr-3378	86	2	27	CARDINAL
fsr-3378	86	3	2018	DATE
fsr-3378	86	4	1	CARDINAL
fsr-3378	88	1	archuleta	PERSON
fsr-3378	88	2	dale	ORG
fsr-3378	88	3	spann	ORG
fsr-3378	88	4	2013	DATE
fsr-3378	89	1	2.4	CARDINAL
fsr-3378	91	1	fay	ORG
fsr-3378	91	2	hurst	ORG
fsr-3378	91	3	2002	DATE
fsr-3378	92	1	1993	DATE
fsr-3378	93	1	himmelstein	PERSON
fsr-3378	93	2	warren	PERSON
fsr-3378	93	3	thorne	PERSON
fsr-3378	93	4	2005	DATE
fsr-3378	94	1	3	CARDINAL
fsr-3378	96	1	1	CARDINAL
fsr-3378	97	1	1	CARDINAL
fsr-3378	97	2	2	CARDINAL
fsr-3378	97	3	3	CARDINAL
fsr-3378	97	4	4	CARDINAL
fsr-3378	97	5	5	CARDINAL
fsr-3378	98	1	1	CARDINAL
fsr-3378	99	1	6 l.d	QUANTITY
fsr-3378	99	2	smith et al	PERSON
fsr-3378	99	3	27	CARDINAL
fsr-3378	99	4	2018	DATE
fsr-3378	99	5	1-28	CARDINAL
fsr-3378	99	6	6	CARDINAL
fsr-3378	106	1	1,001	CARDINAL
fsr-3378	106	2	the federal trade commission	ORG
fsr-3378	106	3	ftc	ORG
fsr-3378	107	1	ftc	ORG
fsr-3378	107	2	three	CARDINAL
fsr-3378	107	3	equifax	ORG
fsr-3378	107	4	experian	ORG
fsr-3378	108	1	2013	DATE
fsr-3378	110	1	50	CARDINAL
fsr-3378	110	2	u.s.	GPE
fsr-3378	111	1	university research associates	ORG
fsr-3378	113	1	monthly	DATE
fsr-3378	113	2	monthly	DATE
fsr-3378	114	1	monthly	DATE
fsr-3378	115	1	one	CARDINAL
fsr-3378	115	2	month	DATE
fsr-3378	116	1	monthly	DATE
fsr-3378	116	2	each month	DATE
fsr-3378	116	3	first	ORDINAL
fsr-3378	118	1	7l.d	CARDINAL
fsr-3378	118	2	smith et al	PERSON
fsr-3378	118	3	27	CARDINAL
fsr-3378	118	4	2018	DATE
fsr-3378	118	5	1	CARDINAL
fsr-3378	118	6	appendix b.	PERSON
fsr-3378	121	1	only 45	CARDINAL
fsr-3378	122	1	$50,000 to $75,000	MONEY
fsr-3378	124	1	three	CARDINAL
fsr-3378	126	1	three	CARDINAL
fsr-3378	129	1	three	CARDINAL
fsr-3378	132	1	2	CARDINAL
fsr-3378	133	1	1,001	CARDINAL
fsr-3378	133	2	263	CARDINAL
fsr-3378	133	3	one	CARDINAL
fsr-3378	134	1	appendix a. 4	PERSON
fsr-3378	136	1	1	CARDINAL
fsr-3378	137	1	8 l.d	QUANTITY
fsr-3378	137	2	smith et al	PERSON
fsr-3378	137	3	27	CARDINAL
fsr-3378	137	4	2018	DATE
fsr-3378	137	5	1-28	CARDINAL
fsr-3378	138	1	2.	CARDINAL
fsr-3378	139	1	9l.d	CARDINAL
fsr-3378	139	2	smith et al	PERSON
fsr-3378	139	3	27	CARDINAL
fsr-3378	139	4	2018	DATE
fsr-3378	139	5	1-28	CARDINAL
fsr-3378	140	1	2	CARDINAL
fsr-3378	141	1	10	CARDINAL
fsr-3378	141	2	smith et al	PERSON
fsr-3378	141	3	27	CARDINAL
fsr-3378	141	4	2018	DATE
fsr-3378	141	5	1	CARDINAL
fsr-3378	141	6	two	CARDINAL
fsr-3378	142	1	two	CARDINAL
fsr-3378	143	1	one	CARDINAL
fsr-3378	144	1	one	CARDINAL
fsr-3378	145	1	two	CARDINAL
fsr-3378	145	2	f(consumer	CARDINAL
fsr-3378	146	1	1	CARDINAL
fsr-3378	149	1	2	CARDINAL
fsr-3378	149	2	2	CARDINAL
fsr-3378	150	1	1	CARDINAL
fsr-3378	150	2	monthly	DATE
fsr-3378	150	3	monthly	DATE
fsr-3378	150	4	three	CARDINAL
fsr-3378	150	5	one	CARDINAL
fsr-3378	150	6	10	CARDINAL
fsr-3378	150	7	under 30	DATE
fsr-3378	150	8	asian	NORP
fsr-3378	150	9	african american	NORP
fsr-3378	150	10	under 18	DATE
fsr-3378	150	11	25k	MONEY
fsr-3378	150	12	between $25k and $50k	MONEY
fsr-3378	150	13	over $75k	MONEY
fsr-3378	150	14	two months	DATE
fsr-3378	150	15	11l.d	CARDINAL
fsr-3378	151	1	smith et al	PERSON
fsr-3378	151	2	27	CARDINAL
fsr-3378	151	3	2018	DATE
fsr-3378	151	4	1-28	CARDINAL
fsr-3378	151	5	eight	CARDINAL
fsr-3378	151	6	0.05	CARDINAL
fsr-3378	151	7	one	CARDINAL
fsr-3378	153	1	first	ORDINAL
fsr-3378	154	1	2	CARDINAL
fsr-3378	155	1	2	CARDINAL
fsr-3378	155	2	16	CARDINAL
fsr-3378	155	3	150%.3	CARDINAL
fsr-3378	155	4	ten	CARDINAL
fsr-3378	155	5	872	CARDINAL
fsr-3378	155	6	2.4	CARDINAL
fsr-3378	155	7	0.0001	CARDINAL
fsr-3378	159	1	150%	PERCENT
fsr-3378	161	1	annual	DATE
fsr-3378	161	2	250,000	MONEY
fsr-3378	162	1	3	CARDINAL
fsr-3378	163	1	3	CARDINAL
fsr-3378	163	2	only 5%	PERCENT
fsr-3378	164	1	2	CARDINAL
fsr-3378	164	2	0.17 7.71 23	QUANTITY
fsr-3378	164	3	0.0001 872	CARDINAL
fsr-3378	164	4	0.16	CARDINAL
fsr-3378	164	5	0.003 872	CARDINAL
fsr-3378	164	6	0.16	CARDINAL
fsr-3378	164	7	0.13 7.83 6	QUANTITY
fsr-3378	164	8	0.0001 872	CARDINAL
fsr-3378	164	9	0.14 5.86 6	MONEY
fsr-3378	164	10	0.0001 872	CARDINAL
fsr-3378	164	11	0.04	CARDINAL
fsr-3378	164	12	0.0001 872	CARDINAL
fsr-3378	164	13	0.04 5.38	CARDINAL
fsr-3378	164	14	0.0001 872	CARDINAL
fsr-3378	164	15	0.11	CARDINAL
fsr-3378	164	16	0.0001 872	CARDINAL
fsr-3378	164	17	0.08	CARDINAL
fsr-3378	164	18	0.0001 872	CARDINAL
fsr-3378	164	19	0.16	CARDINAL
fsr-3378	164	20	0.0001 872 12	MONEY
fsr-3378	165	1	smith et al	PERSON
fsr-3378	165	2	27	CARDINAL
fsr-3378	165	3	2018	DATE
fsr-3378	165	4	1	CARDINAL
fsr-3378	167	1	each month	DATE
fsr-3378	168	1	4	CARDINAL
fsr-3378	168	2	each month	DATE
fsr-3378	169	1	5	CARDINAL
fsr-3378	169	2	each month	DATE
fsr-3378	170	1	two	CARDINAL
fsr-3378	173	1	three	CARDINAL
fsr-3378	174	1	6	CARDINAL
fsr-3378	174	2	two	CARDINAL
fsr-3378	175	1	6	CARDINAL
fsr-3378	176	1	five	CARDINAL
fsr-3378	176	2	60%	PERCENT
fsr-3378	177	1	3	CARDINAL
fsr-3378	177	2	0.05 2.14 23 0.002 942	QUANTITY
fsr-3378	177	3	0.04	CARDINAL
fsr-3378	177	4	2.04	MONEY
fsr-3378	177	5	0.071 942	CARDINAL
fsr-3378	177	6	0.03	CARDINAL
fsr-3378	177	7	0.04	CARDINAL
fsr-3378	177	8	0.072 942	CARDINAL
fsr-3378	178	1	0.04	CARDINAL
fsr-3378	178	2	0.02	CARDINAL
fsr-3378	178	3	0.015 942	CARDINAL
fsr-3378	178	4	0.02	CARDINAL
fsr-3378	178	5	0.022 942	CARDINAL
fsr-3378	178	6	0.01	CARDINAL
fsr-3378	178	7	0.01	CARDINAL
fsr-3378	178	8	0.04 5.96 6	QUANTITY
fsr-3378	178	9	0.0001 942	CARDINAL
fsr-3378	178	10	4	CARDINAL
fsr-3378	178	11	each month	DATE
fsr-3378	178	12	256.7 23	CARDINAL
fsr-3378	178	13	0.0001 997	CARDINAL
fsr-3378	178	14	23.4	CARDINAL
fsr-3378	178	15	36.9 6	CARDINAL
fsr-3378	178	16	0.0001 997	CARDINAL
fsr-3378	178	17	35.2 6	CARDINAL
fsr-3378	178	18	0.0001 997	CARDINAL
fsr-3378	178	19	14.8	CARDINAL
fsr-3378	178	20	248.2 10	CARDINAL
fsr-3378	178	21	0.0001	CARDINAL
fsr-3378	178	22	13l.d	CARDINAL
fsr-3378	179	1	smith et al	PERSON
fsr-3378	179	2	27	CARDINAL
fsr-3378	179	3	2018	DATE
fsr-3378	179	4	1-28	CARDINAL
fsr-3378	179	5	one	CARDINAL
fsr-3378	181	1	7	CARDINAL
fsr-3378	187	1	more than 10	CARDINAL
fsr-3378	188	1	8	CARDINAL
fsr-3378	191	1	5	CARDINAL
fsr-3378	191	2	each month	DATE
fsr-3378	191	3	293.8 23	CARDINAL
fsr-3378	191	4	0.0001 997	CARDINAL
fsr-3378	191	5	22.1	CARDINAL
fsr-3378	191	6	50.2 6	CARDINAL
fsr-3378	191	7	0.0001 997	CARDINAL
fsr-3378	191	8	51.3 6	CARDINAL
fsr-3378	191	9	0.0001 997	CARDINAL
fsr-3378	191	10	32.5 6	CARDINAL
fsr-3378	191	11	286.7 12	CARDINAL
fsr-3378	191	12	0.0001 997	CARDINAL
fsr-3378	191	13	6	CARDINAL
fsr-3378	191	14	0.60	CARDINAL
fsr-3378	191	15	0.0001 997	CARDINAL
fsr-3378	191	16	0.58	CARDINAL
fsr-3378	191	17	0.0001 997	CARDINAL
fsr-3378	191	18	0.58 9.21 6	QUANTITY
fsr-3378	191	19	0.0001 997	CARDINAL
fsr-3378	191	20	0.56	CARDINAL
fsr-3378	191	21	0.0001 997	CARDINAL
fsr-3378	192	1	0.58 8.67 6	QUANTITY
fsr-3378	192	2	0.0001 997	CARDINAL
fsr-3378	192	3	0.51	CARDINAL
fsr-3378	192	4	115.16 2	QUANTITY
fsr-3378	192	5	0.0001 997	CARDINAL
fsr-3378	192	6	0.18	CARDINAL
fsr-3378	192	7	0.0001 997	CARDINAL
fsr-3378	192	8	0.24	CARDINAL
fsr-3378	192	9	0.0001 997	CARDINAL
fsr-3378	192	10	0.22	CARDINAL
fsr-3378	192	11	0.0001 997	CARDINAL
fsr-3378	192	12	0.23	CARDINAL
fsr-3378	192	13	0.0001 997	CARDINAL
fsr-3378	192	14	0.42	CARDINAL
fsr-3378	192	15	0.0001 997	CARDINAL
fsr-3378	192	16	0.60	CARDINAL
fsr-3378	192	17	0.0001	CARDINAL
fsr-3378	192	18	14	CARDINAL
fsr-3378	192	19	smith et al	PERSON
fsr-3378	192	20	27	CARDINAL
fsr-3378	192	21	2018	DATE
fsr-3378	192	22	1	CARDINAL
fsr-3378	194	1	two	CARDINAL
fsr-3378	194	2	three	CARDINAL
fsr-3378	197	1	third	ORDINAL
fsr-3378	197	2	one	CARDINAL
fsr-3378	197	3	10	CARDINAL
fsr-3378	197	4	9	CARDINAL
fsr-3378	197	5	10	CARDINAL
fsr-3378	199	1	9 and 10	CARDINAL
fsr-3378	199	2	7	CARDINAL
fsr-3378	199	3	one	CARDINAL
fsr-3378	199	4	136.2 26	CARDINAL
fsr-3378	199	5	0.0001 995	CARDINAL
fsr-3378	199	6	5.2	CARDINAL
fsr-3378	199	7	0.39 995	CARDINAL
fsr-3378	199	8	10.3 6 0.11 995	QUANTITY
fsr-3378	199	9	17.5	CARDINAL
fsr-3378	199	10	995	CARDINAL
fsr-3378	199	11	2.3	CARDINAL
fsr-3378	199	12	995	CARDINAL
fsr-3378	199	13	8.0 2	CARDINAL
fsr-3378	199	14	3.5	CARDINAL
fsr-3378	199	15	121.7 6	CARDINAL
fsr-3378	199	16	0.0001 995	CARDINAL
fsr-3378	199	17	8	CARDINAL
fsr-3378	199	18	589	CARDINAL
fsr-3378	199	19	619	CARDINAL
fsr-3378	199	20	659	CARDINAL
fsr-3378	199	21	689	CARDINAL
fsr-3378	199	22	719	CARDINAL
fsr-3378	199	23	590 590–679	MONEY
fsr-3378	199	24	75	CARDINAL
fsr-3378	199	25	28 11 209 percent	PERCENT
fsr-3378	199	26	91.5	CARDINAL
fsr-3378	199	27	62.7	CARDINAL
fsr-3378	199	28	7 20 25	TIME
fsr-3378	199	29	2 — 54 percent	PERCENT
fsr-3378	199	30	20.5	CARDINAL
fsr-3378	199	31	82	CARDINAL
fsr-3378	199	32	67	CARDINAL
fsr-3378	199	33	11 263 percent	PERCENT
fsr-3378	199	34	100.0 100.0	DATE
fsr-3378	199	35	100.0	CARDINAL
fsr-3378	199	36	100.0	CARDINAL
fsr-3378	200	1	smith et al	PERSON
fsr-3378	200	2	27	CARDINAL
fsr-3378	200	3	2018	DATE
fsr-3378	200	4	1	CARDINAL
fsr-3378	203	1	university research associates	ORG
fsr-3378	204	1	u.s.	GPE
fsr-3378	206	1	11	CARDINAL
fsr-3378	206	2	three	CARDINAL
fsr-3378	206	3	five	CARDINAL
fsr-3378	207	1	12	CARDINAL
fsr-3378	207	2	eight	CARDINAL
fsr-3378	207	3	0.1	CARDINAL
fsr-3378	207	4	0.05	CARDINAL
fsr-3378	207	5	one	CARDINAL
fsr-3378	208	1	12	CARDINAL
fsr-3378	208	2	9	CARDINAL
fsr-3378	208	3	one	CARDINAL
fsr-3378	208	4	10	CARDINAL
fsr-3378	208	5	21.6 29 0.84 262	QUANTITY
fsr-3378	208	6	3.56	CARDINAL
fsr-3378	208	7	262	CARDINAL
fsr-3378	208	8	3.34 6 0.77 262	QUANTITY
fsr-3378	208	9	4.92	CARDINAL
fsr-3378	208	10	0.55 262	CARDINAL
fsr-3378	208	11	5.76	CARDINAL
fsr-3378	208	12	0.45 262	CARDINAL
fsr-3378	208	13	2.87	CARDINAL
fsr-3378	208	14	262	CARDINAL
fsr-3378	208	15	3.36	CARDINAL
fsr-3378	208	16	4.2 1 0.01 262	QUANTITY
fsr-3378	208	17	10	CARDINAL
fsr-3378	208	18	one	CARDINAL
fsr-3378	208	19	35.7 29 0.18 262	TIME
fsr-3378	208	20	5.54	CARDINAL
fsr-3378	208	21	262	CARDINAL
fsr-3378	208	22	4.33	CARDINAL
fsr-3378	208	23	0.63 262	CARDINAL
fsr-3378	208	24	8.73	CARDINAL
fsr-3378	208	25	0.19 262	CARDINAL
fsr-3378	208	26	7.73	CARDINAL
fsr-3378	208	27	0.26 262	CARDINAL
fsr-3378	208	28	0.11	CARDINAL
fsr-3378	208	29	262	CARDINAL
fsr-3378	208	30	19.53	CARDINAL
fsr-3378	208	31	262	CARDINAL
fsr-3378	209	1	10.9 3 0.01 262 16 l.d	QUANTITY
fsr-3378	209	2	smith et al	PERSON
fsr-3378	209	3	27	CARDINAL
fsr-3378	209	4	2018	DATE
fsr-3378	210	1	1	CARDINAL
fsr-3378	210	2	11	CARDINAL
fsr-3378	211	1	ia	GPE
fsr-3378	211	2	di t ut ili za tio n/ lim	PERSON
fsr-3378	211	3	2	CARDINAL
fsr-3378	211	4	di t ut ili za tio n/	PERSON
fsr-3378	211	5	ab le 3	ORG
fsr-3378	211	6	nc es	GPE
fsr-3378	211	7	ge cr ed	ORG
fsr-3378	213	1	sc	GPE
fsr-3378	213	2	er ia l di sp ut e	ORG
fsr-3378	213	3	er ia l sc	ORG
fsr-3378	213	4	ea	CARDINAL
fsr-3378	213	5	9	CARDINAL
fsr-3378	214	1	10	CARDINAL
fsr-3378	214	2	6	CARDINAL
fsr-3378	214	3	64	CARDINAL
fsr-3378	215	1	62 3	DATE
fsr-3378	216	1	55	CARDINAL
fsr-3378	216	2	t 6	DATE
fsr-3378	217	1	88	CARDINAL
fsr-3378	217	2	1	CARDINAL
fsr-3378	217	3	24	CARDINAL
fsr-3378	218	1	60	CARDINAL
fsr-3378	218	2	0	CARDINAL
fsr-3378	218	3	77	CARDINAL
fsr-3378	218	4	19	CARDINAL
fsr-3378	218	5	3	CARDINAL
fsr-3378	219	1	1	CARDINAL
fsr-3378	219	2	07 0	DATE
fsr-3378	220	1	49	DATE
fsr-3378	220	2	1	CARDINAL
fsr-3378	222	1	36	CARDINAL
fsr-3378	222	2	0	CARDINAL
fsr-3378	222	3	72 0	DATE
fsr-3378	223	1	57	CARDINAL
fsr-3378	223	2	10	CARDINAL
fsr-3378	223	3	2	CARDINAL
fsr-3378	223	4	1	CARDINAL
fsr-3378	223	5	37	CARDINAL
fsr-3378	223	6	1	CARDINAL
fsr-3378	223	7	23 1	CARDINAL
fsr-3378	223	8	83	CARDINAL
fsr-3378	223	9	ec	ORG
fsr-3378	223	10	rt h	GPE
fsr-3378	223	11	4	CARDINAL
fsr-3378	223	12	29	CARDINAL
fsr-3378	223	13	3	CARDINAL
fsr-3378	223	14	68	CARDINAL
fsr-3378	223	15	0	CARDINAL
fsr-3378	223	16	81	CARDINAL
fsr-3378	224	1	86 2	CARDINAL
fsr-3378	224	2	64 1	DATE
fsr-3378	224	3	07 0	DATE
fsr-3378	225	1	73	CARDINAL
fsr-3378	226	1	26	CARDINAL
fsr-3378	227	1	io	LOC
fsr-3378	227	2	4	CARDINAL
fsr-3378	227	3	30 2	CARDINAL
fsr-3378	227	4	06 0	DATE
fsr-3378	228	1	97 1	CARDINAL
fsr-3378	228	2	25	CARDINAL
fsr-3378	228	3	17 .0 5	QUANTITY
fsr-3378	229	1	1	CARDINAL
fsr-3378	229	2	20 1	DATE
fsr-3378	229	3	09 1	DATE
fsr-3378	230	1	34	CARDINAL
fsr-3378	230	2	aj	PERSON
fsr-3378	231	1	25	CARDINAL
fsr-3378	231	2	0	CARDINAL
fsr-3378	232	1	55	CARDINAL
fsr-3378	233	1	55	CARDINAL
fsr-3378	234	1	0	CARDINAL
fsr-3378	234	2	71	CARDINAL
fsr-3378	234	3	0	CARDINAL
fsr-3378	235	1	81	CARDINAL
fsr-3378	236	1	88 1.	DATE
fsr-3378	237	1	33	CARDINAL
fsr-3378	237	2	ge	ORG
fsr-3378	237	3	30	CARDINAL
fsr-3378	237	4	5	CARDINAL
fsr-3378	237	5	04	CARDINAL
fsr-3378	237	6	4	CARDINAL
fsr-3378	238	1	93	CARDINAL
fsr-3378	239	1	1	CARDINAL
fsr-3378	239	2	91	CARDINAL
fsr-3378	241	1	1	CARDINAL
fsr-3378	241	2	45	CARDINAL
fsr-3378	241	3	7	CARDINAL
fsr-3378	241	4	20	CARDINAL
fsr-3378	242	1	67	CARDINAL
fsr-3378	242	2	0	CARDINAL
fsr-3378	243	1	65	CARDINAL
fsr-3378	244	1	73	CARDINAL
fsr-3378	244	2	al e � 3	PERSON
fsr-3378	244	3	59	CARDINAL
fsr-3378	244	4	18	CARDINAL
fsr-3378	245	1	99 1	CARDINAL
fsr-3378	246	1	38	CARDINAL
fsr-3378	247	1	1	CARDINAL
fsr-3378	247	2	72 0	DATE
fsr-3378	248	1	74	CARDINAL
fsr-3378	248	2	1	CARDINAL
fsr-3378	250	1	69	CARDINAL
fsr-3378	250	2	3	CARDINAL
fsr-3378	250	3	16 1	CARDINAL
fsr-3378	250	4	67 4	DATE
fsr-3378	250	5	46	CARDINAL
fsr-3378	251	1	7	CARDINAL
fsr-3378	251	2	28	CARDINAL
fsr-3378	252	1	99 1	CARDINAL
fsr-3378	253	1	60	CARDINAL
fsr-3378	254	1	73	CARDINAL
fsr-3378	255	1	1	CARDINAL
fsr-3378	255	2	31	CARDINAL
fsr-3378	255	3	4	CARDINAL
fsr-3378	255	4	44	CARDINAL
fsr-3378	256	1	0	CARDINAL
fsr-3378	257	1	37	CARDINAL
fsr-3378	259	1	0	CARDINAL
fsr-3378	260	1	39	CARDINAL
fsr-3378	261	1	39 .8	MONEY
fsr-3378	261	2	1	CARDINAL
fsr-3378	261	3	19 1	DATE
fsr-3378	261	4	13	CARDINAL
fsr-3378	262	1	55	CARDINAL
fsr-3378	262	2	lle ge	PERSON
fsr-3378	262	3	5	CARDINAL
fsr-3378	263	1	12 1	DATE
fsr-3378	263	2	19 1	DATE
fsr-3378	263	3	13 11	CARDINAL
fsr-3378	263	4	1	CARDINAL
fsr-3378	263	5	0	CARDINAL
fsr-3378	263	6	69	CARDINAL
fsr-3378	264	1	64	CARDINAL
fsr-3378	264	2	67	CARDINAL
fsr-3378	264	3	6.	PERCENT
fsr-3378	264	4	11 1	CARDINAL
fsr-3378	266	1	26	CARDINAL
fsr-3378	267	1	2	CARDINAL
fsr-3378	267	2	09	CARDINAL
fsr-3378	268	1	21	CARDINAL
fsr-3378	268	2	0	CARDINAL
fsr-3378	268	3	69	CARDINAL
fsr-3378	269	1	52	CARDINAL
fsr-3378	269	2	74	CARDINAL
fsr-3378	269	3	7	MONEY
fsr-3378	269	4	1	CARDINAL
fsr-3378	269	5	03	CARDINAL
fsr-3378	270	1	03	CARDINAL
fsr-3378	271	1	94 1. 08	DATE
fsr-3378	273	1	47 2	DATE
fsr-3378	273	2	01	CARDINAL
fsr-3378	274	1	1	CARDINAL
fsr-3378	274	2	32 2	CARDINAL
fsr-3378	274	3	89	CARDINAL
fsr-3378	275	1	5	MONEY
fsr-3378	275	2	3	CARDINAL
fsr-3378	275	3	35 3	DATE
fsr-3378	276	1	0	CARDINAL
fsr-3378	277	1	64	CARDINAL
fsr-3378	277	2	1	CARDINAL
fsr-3378	277	3	3	CARDINAL
fsr-3378	277	4	13	CARDINAL
fsr-3378	278	1	91	CARDINAL
fsr-3378	278	2	89 3	DATE
fsr-3378	278	3	21	CARDINAL
fsr-3378	279	1	$2 5k	MONEY
fsr-3378	280	1	3	CARDINAL
fsr-3378	280	2	66	CARDINAL
fsr-3378	281	1	69 1	DATE
fsr-3378	281	2	30 4	DATE
fsr-3378	282	1	43 0	DATE
fsr-3378	283	1	59	CARDINAL
fsr-3378	283	2	0	CARDINAL
fsr-3378	283	3	68 1	DATE
fsr-3378	283	4	ge	ORG
fsr-3378	283	5	nc	GPE
fsr-3378	283	6	y fu nd s �	PERSON
fsr-3378	284	1	33	CARDINAL
fsr-3378	285	1	1	CARDINAL
fsr-3378	285	2	86 2	CARDINAL
fsr-3378	286	1	33	CARDINAL
fsr-3378	286	2	2	CARDINAL
fsr-3378	286	3	51	CARDINAL
fsr-3378	287	1	30	CARDINAL
fsr-3378	288	1	0	CARDINAL
fsr-3378	288	2	90 1	DATE
fsr-3378	290	1	97	CARDINAL
fsr-3378	290	2	pe ns io n	PERSON
fsr-3378	290	3	87	CARDINAL
fsr-3378	290	4	1	CARDINAL
fsr-3378	290	5	27	CARDINAL
fsr-3378	291	1	13	CARDINAL
fsr-3378	291	2	2	CARDINAL
fsr-3378	292	1	37 1	DATE
fsr-3378	293	1	33 o	DATE
fsr-3378	293	2	10 .9 6	QUANTITY
fsr-3378	293	3	2.	CARDINAL
fsr-3378	293	4	50	CARDINAL
fsr-3378	293	5	1	CARDINAL
fsr-3378	293	6	72	CARDINAL
fsr-3378	294	1	1	CARDINAL
fsr-3378	295	1	93	CARDINAL
fsr-3378	296	1	28	CARDINAL
fsr-3378	296	2	3	CARDINAL
fsr-3378	296	3	0	CARDINAL
fsr-3378	296	4	90 1	CARDINAL
fsr-3378	296	5	52 2	CARDINAL
fsr-3378	296	6	31	CARDINAL
fsr-3378	298	1	9. 20	CARDINAL
fsr-3378	299	1	2	CARDINAL
fsr-3378	299	2	31 1	DATE
fsr-3378	300	1	48	CARDINAL
fsr-3378	300	2	1	CARDINAL
fsr-3378	301	1	75	CARDINAL
fsr-3378	302	1	16 .4 2	MONEY
fsr-3378	302	2	1. 01	CARDINAL
fsr-3378	302	3	0	CARDINAL
fsr-3378	303	1	56	CARDINAL
fsr-3378	303	2	0	CARDINAL
fsr-3378	303	3	59	CARDINAL
fsr-3378	303	4	6. 02	CARDINAL
fsr-3378	303	5	2	CARDINAL
fsr-3378	303	6	27 1	DATE
fsr-3378	303	7	54	CARDINAL
fsr-3378	303	8	1	CARDINAL
fsr-3378	303	9	61	CARDINAL
fsr-3378	303	10	8	CARDINAL
fsr-3378	304	1	93	CARDINAL
fsr-3378	304	2	1	CARDINAL
fsr-3378	304	3	01 1	DATE
fsr-3378	305	1	24 0	DATE
fsr-3378	306	1	65	CARDINAL
fsr-3378	306	2	ed fu	PERSON
fsr-3378	306	3	tim e 6	PERSON
fsr-3378	307	1	65	CARDINAL
fsr-3378	308	1	1	CARDINAL
fsr-3378	308	2	91 1	CARDINAL
fsr-3378	308	3	06 0	DATE
fsr-3378	309	1	62	CARDINAL
fsr-3378	309	2	21 .9 1	QUANTITY
fsr-3378	309	3	1	CARDINAL
fsr-3378	309	4	16	CARDINAL
fsr-3378	310	1	68	CARDINAL
fsr-3378	310	2	59	CARDINAL
fsr-3378	310	3	ea	CARDINAL
fsr-3378	310	4	21	CARDINAL
fsr-3378	310	5	0	CARDINAL
fsr-3378	311	1	01 1.	DATE
fsr-3378	312	1	01 0	DATE
fsr-3378	313	1	46 0	DATE
fsr-3378	314	1	98	CARDINAL
fsr-3378	315	1	99	CARDINAL
fsr-3378	315	2	98	CARDINAL
fsr-3378	315	3	ho ld si ze 3	PERSON
fsr-3378	316	1	57	CARDINAL
fsr-3378	316	2	0	CARDINAL
fsr-3378	316	3	29	CARDINAL
fsr-3378	317	1	99	CARDINAL
fsr-3378	319	1	4	CARDINAL
fsr-3378	319	2	38	CARDINAL
fsr-3378	319	3	0	CARDINAL
fsr-3378	320	1	81	CARDINAL
fsr-3378	320	2	1	CARDINAL
fsr-3378	320	3	18 1	CARDINAL
fsr-3378	321	1	50	CARDINAL
fsr-3378	321	2	18	CARDINAL
fsr-3378	321	3	0	CARDINAL
fsr-3378	321	4	44	CARDINAL
fsr-3378	321	5	0	CARDINAL
fsr-3378	322	1	26	CARDINAL
fsr-3378	323	1	75	CARDINAL
fsr-3378	323	2	1	CARDINAL
fsr-3378	323	3	11	CARDINAL
fsr-3378	323	4	2	CARDINAL
fsr-3378	323	5	96 1	CARDINAL
fsr-3378	323	6	12	CARDINAL
fsr-3378	323	7	85	CARDINAL
fsr-3378	324	1	83	CARDINAL
fsr-3378	327	1	1	CARDINAL
fsr-3378	327	2	24 1	DATE
fsr-3378	327	3	26 1	DATE
fsr-3378	327	4	15	CARDINAL
fsr-3378	327	5	3	CARDINAL
fsr-3378	327	6	70	CARDINAL
fsr-3378	328	1	1	CARDINAL
fsr-3378	329	1	79	CARDINAL
fsr-3378	329	2	0	CARDINAL
fsr-3378	329	3	89	CARDINAL
fsr-3378	329	4	ge cr ed it sc	ORG
fsr-3378	330	1	99	CARDINAL
fsr-3378	331	1	ge sc	ORG
fsr-3378	332	1	13	CARDINAL
fsr-3378	332	2	ge sc	ORG
fsr-3378	333	1	94	CARDINAL
fsr-3378	334	1	82	CARDINAL
fsr-3378	335	1	ge sc	ORG
fsr-3378	337	1	79	CARDINAL
fsr-3378	337	2	08	CARDINAL
fsr-3378	338	1	ge sc	ORG
fsr-3378	339	1	19	CARDINAL
fsr-3378	339	2	0	CARDINAL
fsr-3378	339	3	1	CARDINAL
fsr-3378	339	4	0	CARDINAL
fsr-3378	339	5	05	CARDINAL
fsr-3378	339	6	0	CARDINAL
fsr-3378	339	7	01	CARDINAL
fsr-3378	339	8	le va nt	FAC
fsr-3378	340	1	17l.d	CARDINAL
fsr-3378	341	1	smith et al	PERSON
fsr-3378	341	2	27	CARDINAL
fsr-3378	341	3	2018	DATE
fsr-3378	342	1	1	CARDINAL
fsr-3378	342	2	12	CARDINAL
fsr-3378	343	1	ia	GPE
fsr-3378	343	2	di t ut ili za tio n/ lim	PERSON
fsr-3378	343	3	2	CARDINAL
fsr-3378	343	4	di t ut ili za tio n/	PERSON
fsr-3378	343	5	ab le 3	ORG
fsr-3378	343	6	nc es	GPE
fsr-3378	343	7	ge cr	ORG
fsr-3378	344	1	sc	GPE
fsr-3378	344	2	er ia l di sp ut e	ORG
fsr-3378	344	3	er ia l sc	ORG
fsr-3378	344	4	ea	CARDINAL
fsr-3378	344	5	9	CARDINAL
fsr-3378	345	1	10	CARDINAL
fsr-3378	345	2	4	CARDINAL
fsr-3378	345	3	12	CARDINAL
fsr-3378	345	4	62 2	CARDINAL
fsr-3378	346	1	79	CARDINAL
fsr-3378	347	1	t 6	DATE
fsr-3378	348	1	68	CARDINAL
fsr-3378	348	2	0	CARDINAL
fsr-3378	349	1	50	CARDINAL
fsr-3378	349	2	18	CARDINAL
fsr-3378	349	3	0	CARDINAL
fsr-3378	349	4	54	CARDINAL
fsr-3378	350	1	dr op 5	PERSON
fsr-3378	350	2	30	CARDINAL
fsr-3378	352	1	2	CARDINAL
fsr-3378	352	2	94	CARDINAL
fsr-3378	353	1	0	CARDINAL
fsr-3378	354	1	51	CARDINAL
fsr-3378	355	1	9	CARDINAL
fsr-3378	355	2	69	CARDINAL
fsr-3378	356	1	ec	ORG
fsr-3378	356	2	3	CARDINAL
fsr-3378	356	3	55	CARDINAL
fsr-3378	356	4	0	CARDINAL
fsr-3378	357	1	33	CARDINAL
fsr-3378	357	2	io n	FAC
fsr-3378	357	3	aj	PERSON
fsr-3378	357	4	ed ic al 5	PERSON
fsr-3378	358	1	62	CARDINAL
fsr-3378	358	2	0	CARDINAL
fsr-3378	359	1	55	CARDINAL
fsr-3378	361	1	69	CARDINAL
fsr-3378	361	2	15 .4 2	MONEY
fsr-3378	361	3	ge	ORG
fsr-3378	361	4	un de r	ORG
fsr-3378	361	5	30	CARDINAL
fsr-3378	361	6	5	CARDINAL
fsr-3378	361	7	68	CARDINAL
fsr-3378	362	1	2. 07	CARDINAL
fsr-3378	364	1	0	CARDINAL
fsr-3378	365	1	65	CARDINAL
fsr-3378	365	2	al e 1	PERSON
fsr-3378	365	3	35	CARDINAL
fsr-3378	365	4	0	CARDINAL
fsr-3378	365	5	76	CARDINAL
fsr-3378	366	1	4	CARDINAL
fsr-3378	366	2	37	CARDINAL
fsr-3378	368	1	58	CARDINAL
fsr-3378	370	1	0	CARDINAL
fsr-3378	371	1	34	CARDINAL
fsr-3378	373	1	0	CARDINAL
fsr-3378	374	1	36	CARDINAL
fsr-3378	375	1	39	CARDINAL
fsr-3378	376	1	lle ge s �	PERSON
fsr-3378	376	2	5	CARDINAL
fsr-3378	376	3	99	CARDINAL
fsr-3378	376	4	11	CARDINAL
fsr-3378	376	5	3	CARDINAL
fsr-3378	376	6	22	CARDINAL
fsr-3378	376	7	2	CARDINAL
fsr-3378	376	8	12	CARDINAL
fsr-3378	377	1	1	CARDINAL
fsr-3378	378	1	86	CARDINAL
fsr-3378	380	1	22	CARDINAL
fsr-3378	380	2	5	CARDINAL
fsr-3378	380	3	7	MONEY
fsr-3378	380	4	1	CARDINAL
fsr-3378	380	5	97	CARDINAL
fsr-3378	381	1	2	CARDINAL
fsr-3378	382	1	45	CARDINAL
fsr-3378	382	2	5	MONEY
fsr-3378	382	3	18	CARDINAL
fsr-3378	382	4	$2 5k	MONEY
fsr-3378	382	5	ge	ORG
fsr-3378	382	6	nc	GPE
fsr-3378	382	7	y fu nd s � 9.	PERSON
fsr-3378	383	1	2	CARDINAL
fsr-3378	384	1	58	CARDINAL
fsr-3378	385	1	2	CARDINAL
fsr-3378	386	1	56	CARDINAL
fsr-3378	386	2	30	CARDINAL
fsr-3378	386	3	2	CARDINAL
fsr-3378	386	4	38	CARDINAL
fsr-3378	388	1	1. 89	CARDINAL
fsr-3378	389	1	1	CARDINAL
fsr-3378	390	1	92	CARDINAL
fsr-3378	390	2	29	CARDINAL
fsr-3378	393	1	1	CARDINAL
fsr-3378	393	2	96	CARDINAL
fsr-3378	395	1	8	CARDINAL
fsr-3378	395	2	26	CARDINAL
fsr-3378	396	1	1	CARDINAL
fsr-3378	397	1	54	CARDINAL
fsr-3378	398	1	1.	CARDINAL
fsr-3378	399	1	65	CARDINAL
fsr-3378	400	1	17	CARDINAL
fsr-3378	400	2	55	CARDINAL
fsr-3378	400	3	2. 97	CARDINAL
fsr-3378	402	1	1	CARDINAL
fsr-3378	403	1	61	CARDINAL
fsr-3378	403	2	1	CARDINAL
fsr-3378	404	1	47	CARDINAL
fsr-3378	404	2	11	CARDINAL
fsr-3378	404	3	2	CARDINAL
fsr-3378	405	1	05	CARDINAL
fsr-3378	407	1	70	CARDINAL
fsr-3378	407	2	22 .8	MONEY
fsr-3378	407	3	ea	CARDINAL
fsr-3378	408	1	0	CARDINAL
fsr-3378	409	1	54	CARDINAL
fsr-3378	409	2	ho ld si ze 3	PERSON
fsr-3378	413	1	81	CARDINAL
fsr-3378	413	2	5	CARDINAL
fsr-3378	413	3	90	CARDINAL
fsr-3378	415	1	89	CARDINAL
fsr-3378	416	1	18 0	DATE
fsr-3378	417	1	73	CARDINAL
fsr-3378	418	1	40 .0 1	QUANTITY
fsr-3378	418	2	al l ba la	PERSON
fsr-3378	420	1	0	CARDINAL
fsr-3378	421	1	71	CARDINAL
fsr-3378	421	2	ge cr ed it sc	ORG
fsr-3378	422	1	99	CARDINAL
fsr-3378	423	1	ge sc	ORG
fsr-3378	425	1	20	CARDINAL
fsr-3378	425	2	ge sc	ORG
fsr-3378	425	3	ile 2	PERSON
fsr-3378	425	4	ge sc	ORG
fsr-3378	426	1	10	CARDINAL
fsr-3378	426	2	ge sc	ORG
fsr-3378	426	3	0	CARDINAL
fsr-3378	426	4	1	CARDINAL
fsr-3378	426	5	0	CARDINAL
fsr-3378	427	1	05	CARDINAL
fsr-3378	427	2	0	CARDINAL
fsr-3378	427	3	01	CARDINAL
fsr-3378	427	4	le va nt	FAC
fsr-3378	428	1	18 l.d	QUANTITY
fsr-3378	428	2	smith et al	PERSON
fsr-3378	428	3	27	CARDINAL
fsr-3378	428	4	2018	DATE
fsr-3378	428	5	1-28 80%	PERCENT
fsr-3378	428	6	0.2	CARDINAL
fsr-3378	430	1	two-month	DATE
fsr-3378	430	2	asians	NORP
fsr-3378	431	1	83–84%	PERCENT
fsr-3378	432	1	african american	NORP
fsr-3378	432	2	each month	DATE
fsr-3378	433	1	under 30	DATE
fsr-3378	433	2	each month	DATE
fsr-3378	436	1	african american	NORP
fsr-3378	437	1	75k	MONEY
fsr-3378	439	1	african americans	NORP
fsr-3378	440	1	0.05	CARDINAL
fsr-3378	441	1	3	CARDINAL
fsr-3378	441	2	10	CARDINAL
fsr-3378	442	1	5	CARDINAL
fsr-3378	442	2	decades	DATE
fsr-3378	442	3	credit19l.d	ORG
fsr-3378	443	1	smith et al	PERSON
fsr-3378	443	2	27	CARDINAL
fsr-3378	443	3	2018	DATE
fsr-3378	443	4	1	CARDINAL
fsr-3378	444	1	only one	CARDINAL
fsr-3378	445	1	1	CARDINAL
fsr-3378	445	2	2	CARDINAL
fsr-3378	445	3	3	CARDINAL
fsr-3378	448	1	full each month	DATE
fsr-3378	458	1	6	CARDINAL
fsr-3378	460	1	1	CARDINAL
fsr-3378	462	1	first	ORDINAL
fsr-3378	462	2	three	CARDINAL
fsr-3378	462	3	20	CARDINAL
fsr-3378	462	4	smith et al	PERSON
fsr-3378	462	5	27	CARDINAL
fsr-3378	462	6	2018	DATE
fsr-3378	462	7	1	CARDINAL
fsr-3378	462	8	monthly	DATE
fsr-3378	463	1	just 46%	PERCENT
fsr-3378	463	2	each month	DATE
fsr-3378	463	3	bricker et al.	PERSON
fsr-3378	463	4	2014	DATE
fsr-3378	463	5	each month	DATE
fsr-3378	463	6	10.5	CARDINAL
fsr-3378	463	7	57.9	CARDINAL
fsr-3378	463	8	64.0	CARDINAL
fsr-3378	463	9	the period 2001 to 2013	DATE
fsr-3378	465	1	full each month	DATE
fsr-3378	467	1	second	ORDINAL
fsr-3378	468	1	each month	DATE
fsr-3378	470	1	avery et al.	ORG
fsr-3378	470	2	2012	DATE
fsr-3378	471	1	5.5%	PERCENT
fsr-3378	473	1	second	ORDINAL
fsr-3378	473	2	third	ORDINAL
fsr-3378	476	1	first	ORDINAL
fsr-3378	478	1	second	ORDINAL
fsr-3378	478	2	fewer than one	CARDINAL
fsr-3378	478	3	six	CARDINAL
fsr-3378	478	4	the two years	DATE
fsr-3378	479	1	one 21l.d	CARDINAL
fsr-3378	480	1	smith et al	PERSON
fsr-3378	480	2	27	CARDINAL
fsr-3378	480	3	2018	DATE
fsr-3378	480	4	1-28	CARDINAL
fsr-3378	482	1	university associates	ORG
fsr-3378	485	1	1	CARDINAL
fsr-3378	485	2	fcra	ORG
fsr-3378	485	3	ftc	ORG
fsr-3378	485	4	031224fcra.pdf	CARDINAL
fsr-3378	486	1	2	CARDINAL
fsr-3378	489	1	3	CARDINAL
fsr-3378	490	1	17% to 10%	PERCENT
fsr-3378	491	1	4	CARDINAL
fsr-3378	492	1	5	CARDINAL
fsr-3378	494	1	6	CARDINAL
fsr-3378	494	2	one	CARDINAL
fsr-3378	494	3	1	CARDINAL
fsr-3378	496	1	7	CARDINAL
fsr-3378	497	1	the united states federal trade commission	GPE
fsr-3378	498	1	ftc	ORG
fsr-3378	499	1	22	CARDINAL
fsr-3378	499	2	smith et al	PERSON
fsr-3378	499	3	27	CARDINAL
fsr-3378	499	4	2018	DATE
fsr-3378	499	5	1	CARDINAL
fsr-3378	500	1	max	PERSON
fsr-3378	501	1	bal	PERSON
fsr-3378	502	1	max	PERSON
fsr-3378	502	2	876	CARDINAL
fsr-3378	502	3	30.44	CARDINAL
fsr-3378	502	4	max	PERSON
fsr-3378	503	1	bal	PERSON
fsr-3378	504	1	annual	DATE
fsr-3378	504	2	943	CARDINAL
fsr-3378	504	3	129.6 9.22 17.18	QUANTITY
fsr-3378	504	4	1,001	CARDINAL
fsr-3378	504	5	459.7	CARDINAL
fsr-3378	504	6	more than min	CARDINAL
fsr-3378	504	7	1,001	CARDINAL
fsr-3378	504	8	0.79 0.41	CARDINAL
fsr-3378	504	9	monthly	DATE
fsr-3378	504	10	1,001	CARDINAL
fsr-3378	504	11	0.46 0.5	CARDINAL
fsr-3378	504	12	1,001	CARDINAL
fsr-3378	504	13	0 1 0.26 0.44	QUANTITY
fsr-3378	504	14	10	CARDINAL
fsr-3378	504	15	263	CARDINAL
fsr-3378	504	16	263	CARDINAL
fsr-3378	504	17	0 1 0.21 0.40	QUANTITY
fsr-3378	504	18	1,001	CARDINAL
fsr-3378	504	19	1,001	CARDINAL
fsr-3378	504	20	0 1 0.38 0.49	QUANTITY
fsr-3378	504	21	1,001	CARDINAL
fsr-3378	504	22	1,001	CARDINAL
fsr-3378	504	23	0.07 0.25	CARDINAL
fsr-3378	504	24	1,001	CARDINAL
fsr-3378	504	25	1,001	CARDINAL
fsr-3378	504	26	0 1 0.51 0.5 asian	QUANTITY
fsr-3378	504	27	1,001	CARDINAL
fsr-3378	504	28	1,001	CARDINAL
fsr-3378	504	29	0 1 0.13 0.34	QUANTITY
fsr-3378	504	30	1,001	CARDINAL
fsr-3378	504	31	0.62 0.49	CARDINAL
fsr-3378	504	32	1,001	CARDINAL
fsr-3378	504	33	0 1 0.26 0.44	QUANTITY
fsr-3378	504	34	75k	MONEY
fsr-3378	504	35	1 0.39 0.49	QUANTITY
fsr-3378	504	36	25k–$50k	MONEY
fsr-3378	504	37	1,001	CARDINAL
fsr-3378	504	38	25k	MONEY
fsr-3378	504	39	1 0.13 0.34	QUANTITY
fsr-3378	504	40	1,001	CARDINAL
fsr-3378	504	41	1,001	CARDINAL
fsr-3378	504	42	nonemployee	GPE
fsr-3378	504	43	1,001	CARDINAL
fsr-3378	504	44	0 1 0.38 0.49	QUANTITY
fsr-3378	504	45	1,001	CARDINAL
fsr-3378	504	46	0.63 0.48	CARDINAL
fsr-3378	504	47	1,001	CARDINAL
fsr-3378	504	48	1,001	CARDINAL
fsr-3378	504	49	1,001	CARDINAL
fsr-3378	504	50	5.15 7.67	CARDINAL
fsr-3378	504	51	997	CARDINAL
fsr-3378	504	52	2.57 1.31	CARDINAL
fsr-3378	504	53	under 18 years	DATE
fsr-3378	504	54	1,001	CARDINAL
fsr-3378	504	55	6 0.54 0.94 23l.d	QUANTITY
fsr-3378	505	1	smith et al	PERSON
fsr-3378	505	2	27	CARDINAL
fsr-3378	505	3	2018	DATE
fsr-3378	506	1	1	CARDINAL
fsr-3378	506	2	1	CARDINAL
fsr-3378	507	1	2.	CARDINAL
fsr-3378	508	1	3	CARDINAL
fsr-3378	509	1	any day of the previous month	DATE
fsr-3378	510	1	4.	PERCENT
fsr-3378	511	1	5	CARDINAL
fsr-3378	512	1	6	CARDINAL
fsr-3378	513	1	the past seven	DATE
fsr-3378	513	2	7) years	DATE
fsr-3378	517	1	8	CARDINAL
fsr-3378	518	1	monthly	DATE
fsr-3378	521	1	9	CARDINAL
fsr-3378	523	1	10	CARDINAL
fsr-3378	528	1	11	CARDINAL
fsr-3378	529	1	one	CARDINAL
fsr-3378	529	2	two	CARDINAL
fsr-3378	530	1	three	CARDINAL
fsr-3378	534	1	good evening/afternoon	TIME
fsr-3378	569	1	the university of missouri/university of arizona	ORG
fsr-3378	573	1	first	ORDINAL
fsr-3378	573	2	three	CARDINAL
fsr-3378	575	1	three	CARDINAL
fsr-3378	577	1	1	CARDINAL
fsr-3378	577	2	three	CARDINAL
fsr-3378	582	1	24	CARDINAL
fsr-3378	582	2	smith et al	PERSON
fsr-3378	582	3	27	CARDINAL
fsr-3378	582	4	2018	DATE
fsr-3378	582	5	1	CARDINAL
fsr-3378	589	1	about eight weeks	DATE
fsr-3378	653	1	hours	TIME
fsr-3378	731	1	the past seven years	DATE
fsr-3378	779	1	25l.d	CARDINAL
fsr-3378	780	1	smith et al	PERSON
fsr-3378	780	2	27	CARDINAL
fsr-3378	780	3	2018	DATE
fsr-3378	780	4	1	CARDINAL
fsr-3378	780	5	every month	DATE
fsr-3378	786	1	month to month	DATE
fsr-3378	790	1	the past 12 months	DATE
fsr-3378	795	1	the past year	DATE
fsr-3378	840	1	the past 12 months	DATE
fsr-3378	846	1	the past 12 months	DATE
fsr-3378	898	1	ftc	ORG
fsr-3378	898	2	u.s.	GPE
fsr-3378	901	1	1	CARDINAL
fsr-3378	902	1	under 30	DATE
fsr-3378	902	2	31–40	CARDINAL
fsr-3378	902	3	41–50 2	DATE
fsr-3378	903	1	51–60	CARDINAL
fsr-3378	903	2	60 3	DATE
fsr-3378	909	1	4	CARDINAL
fsr-3378	909	2	african-american	NORP
fsr-3378	909	3	5	CARDINAL
fsr-3378	910	1	asian	NORP
fsr-3378	910	2	6	CARDINAL
fsr-3378	911	1	7	CARDINAL
fsr-3378	913	1	8	CARDINAL
fsr-3378	913	2	5	CARDINAL
fsr-3378	914	1	9	CARDINAL
fsr-3378	914	2	5	CARDINAL
fsr-3378	915	1	10	CARDINAL
fsr-3378	918	1	ftc	ORG
fsr-3378	918	2	american	NORP
fsr-3378	919	1	11	CARDINAL
fsr-3378	925	1	12	CARDINAL
fsr-3378	929	1	13	CARDINAL
fsr-3378	953	1	14	CARDINAL
fsr-3378	958	1	15	CARDINAL
fsr-3378	959	1	16	CARDINAL
fsr-3378	960	1	many years	DATE
fsr-3378	964	1	17	CARDINAL
fsr-3378	993	1	26	CARDINAL
fsr-3378	993	2	smith et al	PERSON
fsr-3378	993	3	27	CARDINAL
fsr-3378	993	4	2018	DATE
fsr-3378	993	5	1	CARDINAL
fsr-3378	993	6	archuleta	PERSON
fsr-3378	993	7	k. l.	PERSON
fsr-3378	993	8	dale, a., & spann	ORG
fsr-3378	993	9	s. m.	PERSON
fsr-3378	993	10	2013	DATE
fsr-3378	995	1	24	CARDINAL
fsr-3378	995	2	50–62	CARDINAL
fsr-3378	995	3	avery	ORG
fsr-3378	995	4	r. b.	PERSON
fsr-3378	995	5	calem	GPE
fsr-3378	995	6	p. s.	PERSON
fsr-3378	995	7	g. b.	PERSON
fsr-3378	995	8	r. w.	PERSON
fsr-3378	995	9	2003	DATE
fsr-3378	997	1	federal reserve bulletin	ORG
fsr-3378	997	2	89	DATE
fsr-3378	998	1	avery	ORG
fsr-3378	998	2	r. b.	PERSON
fsr-3378	998	3	breevoort	ORG
fsr-3378	998	4	k. p.,	PERSON
fsr-3378	998	5	2012	DATE
fsr-3378	1000	1	40	DATE
fsr-3378	1001	1	bell	ORG
fsr-3378	1001	2	m. m.	PERSON
fsr-3378	1001	3	nelson	PERSON
fsr-3378	1001	4	j. s.	PERSON
fsr-3378	1001	5	spann	ORG
fsr-3378	1001	6	s. m.	PERSON
fsr-3378	1001	7	malloy	PERSON
fsr-3378	1001	8	c. j.	PERSON
fsr-3378	1001	9	britt	PERSON
fsr-3378	1001	10	s. l.	PERSON
fsr-3378	1001	11	nelson	PERSON
fsr-3378	1001	12	s.	GPE
fsr-3378	1001	13	2014	DATE
fsr-3378	1003	1	25	CARDINAL
fsr-3378	1003	2	41–52	CARDINAL
fsr-3378	1003	3	bricker	PERSON
fsr-3378	1003	4	j.	PERSON
fsr-3378	1003	5	l. j.	PERSON
fsr-3378	1003	6	hsu	PERSON
fsr-3378	1003	7	j. w.	PERSON
fsr-3378	1003	8	moore	PERSON
fsr-3378	1003	9	k. b.	PERSON
fsr-3378	1003	10	j., thompson	ORG
fsr-3378	1003	11	j.	GPE
fsr-3378	1003	12	windle	GPE
fsr-3378	1003	13	r. a.	PERSON
fsr-3378	1003	14	devlin-foltz	ORG
fsr-3378	1003	15	s., & krimmel	ORG
fsr-3378	1003	16	j. (	PERSON
fsr-3378	1003	17	2014	DATE
fsr-3378	1004	1	u.s.	GPE
fsr-3378	1004	2	2010 to 2013	DATE
fsr-3378	1005	1	federal reserve bulletin	ORG
fsr-3378	1005	2	100	CARDINAL
fsr-3378	1005	3	1–41	CARDINAL
fsr-3378	1006	1	g., & lowrey	ORG
fsr-3378	1006	2	b. r.	PERSON
fsr-3378	1006	3	2000	DATE
fsr-3378	1008	1	17	CARDINAL
fsr-3378	1008	2	165–179	CARDINAL
fsr-3378	1009	1	e., & sjoberg	ORG
fsr-3378	1009	2	l.	GPE
fsr-3378	1009	3	2007	DATE
fsr-3378	1011	1	the journal of socio-economics	ORG
fsr-3378	1011	2	36	CARDINAL
fsr-3378	1011	3	686–697	CARDINAL
fsr-3378	1011	4	2003	DATE
fsr-3378	1012	1	2003	DATE
fsr-3378	1013	1	108–159-dec 4, 2003	DATE
fsr-3378	1016	1	1970	DATE
fsr-3378	1017	1	15	CARDINAL
fsr-3378	1018	1	1681	CARDINAL
fsr-3378	1020	1	18	CARDINAL
fsr-3378	1038	1	19	CARDINAL
fsr-3378	1038	2	18	CARDINAL
fsr-3378	1063	1	20	CARDINAL
fsr-3378	1065	1	25k	MONEY
fsr-3378	1065	2	25–49.9k	CARDINAL
fsr-3378	1066	1	50–74.9k	CARDINAL
fsr-3378	1066	2	100–149k	CARDINAL
fsr-3378	1066	3	150–200k	CARDINAL
fsr-3378	1066	4	200k	CARDINAL
fsr-3378	1066	5	21	CARDINAL
fsr-3378	1071	1	22	CARDINAL
fsr-3378	1072	1	the past two years	DATE
fsr-3378	1073	1	five	CARDINAL
fsr-3378	1073	2	3 months	DATE
fsr-3378	1078	1	e. major medical	PERSON
fsr-3378	1079	1	23	CARDINAL
fsr-3378	1080	1	2,000	MONEY
fsr-3378	1080	2	30 days	DATE
fsr-3378	1081	1	24	DATE
fsr-3378	1082	1	years	DATE
fsr-3378	1133	1	25	CARDINAL
fsr-3378	1134	1	roth ira	PERSON
fsr-3378	1136	1	27l.d	CARDINAL
fsr-3378	1137	1	smith et al	PERSON
fsr-3378	1137	2	27	CARDINAL
fsr-3378	1137	3	2018	DATE
fsr-3378	1137	4	1	CARDINAL
fsr-3378	1137	5	s.	GPE
fsr-3378	1137	6	hurst	ORG
fsr-3378	1137	7	e., & white	ORG
fsr-3378	1137	8	2002	DATE
fsr-3378	1139	1	american	NORP
fsr-3378	1139	2	92	CARDINAL
fsr-3378	1139	3	706–718	CARDINAL
fsr-3378	1140	1	glick, r., & lansing	ORG
fsr-3378	1140	2	k. j.	PERSON
fsr-3378	1140	3	2009	DATE
fsr-3378	1141	1	u.s.	GPE
fsr-3378	1142	1	federal reserve board	ORG
fsr-3378	1142	2	san francisco	GPE
fsr-3378	1142	3	16	CARDINAL
fsr-3378	1143	1	grafova	ORG
fsr-3378	1143	2	i. b.	PERSON
fsr-3378	1143	3	2007	DATE
fsr-3378	1145	1	28	CARDINAL
fsr-3378	1145	2	285–303	CARDINAL
fsr-3378	1146	1	himmelstein	PERSON
fsr-3378	1146	2	d.	NORP
fsr-3378	1146	3	warren	PERSON
fsr-3378	1146	4	e.	GPE
fsr-3378	1146	5	thorne	PERSON
fsr-3378	1146	6	d., & woolhandler	ORG
fsr-3378	1146	7	s.	PERSON
fsr-3378	1146	8	2005	DATE
fsr-3378	1148	1	marketwatch	ORG
fsr-3378	1148	2	2	CARDINAL
fsr-3378	1148	3	javine	PERSON
fsr-3378	1148	4	2013	DATE
fsr-3378	1150	1	22	CARDINAL
fsr-3378	1150	2	367–87	DATE
fsr-3378	1151	1	lyons	PERSON
fsr-3378	1151	2	a. c.	PERSON
fsr-3378	1151	3	rachlis	NORP
fsr-3378	1151	4	m., & scherpf	ORG
fsr-3378	1151	5	2007	DATE
fsr-3378	1154	1	41	CARDINAL
fsr-3378	1154	2	223–249	CARDINAL
fsr-3378	1154	3	national association of state	ORG
fsr-3378	1155	1	2004	DATE
fsr-3378	1157	1	washington	GPE
fsr-3378	1157	2	dc	GPE
fsr-3378	1157	3	national association of state	ORG
fsr-3378	1159	1	2012	DATE
fsr-3378	1160	1	2012	DATE
fsr-3378	1160	2	harris interactive inc	ORG
fsr-3378	1160	3	rochester	GPE
fsr-3378	1160	4	ny: national foundation for credit counseling	ORG
fsr-3378	1161	1	norvilitis	ORG
fsr-3378	1161	2	j. m.	PERSON
fsr-3378	1161	3	m. g.	PERSON
fsr-3378	1161	4	2010	DATE
fsr-3378	1163	1	31	CARDINAL
fsr-3378	1163	2	55–63	CARDINAL
fsr-3378	1164	1	o’neill	ORG
fsr-3378	1164	2	b., & xiao	ORG
fsr-3378	1164	3	j. j.	PERSON
fsr-3378	1164	4	2014	DATE
fsr-3378	1166	1	journal of personal finance	ORG
fsr-3378	1166	2	13	CARDINAL
fsr-3378	1166	3	65–76	DATE
fsr-3378	1167	1	ratcliffe	ORG
fsr-3378	1167	2	c., mckernan	PERSON
fsr-3378	1167	3	s. m.	PERSON
fsr-3378	1167	4	theodos	GPE
fsr-3378	1167	5	b.	GPE
fsr-3378	1167	6	kalish	GPE
fsr-3378	1167	7	e.	GPE
fsr-3378	1167	8	chalekian	NORP
fsr-3378	1167	9	j., guo	PERSON
fsr-3378	1167	10	c.	GPE
fsr-3378	1167	11	2014	DATE
fsr-3378	1168	1	america	GPE
fsr-3378	1169	1	washington	GPE
fsr-3378	1169	2	dc	GPE
fsr-3378	1170	1	smith, h. l.	ORG
fsr-3378	1170	2	finke	PERSON
fsr-3378	1170	3	m. s.	PERSON
fsr-3378	1170	4	& huston	ORG
fsr-3378	1170	5	s. j.	PERSON
fsr-3378	1170	6	2012	DATE
fsr-3378	1172	1	33	DATE
fsr-3378	1172	2	315–327	CARDINAL
fsr-3378	1173	1	l. d.	PERSON
fsr-3378	1173	2	staten	GPE
fsr-3378	1173	3	m.	GPE
fsr-3378	1173	4	t., karig	GPE
fsr-3378	1173	5	b. a.	PERSON
fsr-3378	1173	6	2013	DATE
fsr-3378	1174	1	u.s.	GPE
fsr-3378	1175	1	47	DATE
fsr-3378	1175	2	588–601	CARDINAL
fsr-3378	1175	3	staten	GPE
fsr-3378	1175	4	m. e.	PERSON
fsr-3378	1175	5	1993	DATE
fsr-3378	1179	1	58	CARDINAL
fsr-3378	1180	1	krannert graduate school of management	ORG
fsr-3378	1180	2	purdue university	ORG
fsr-3378	1180	3	west lafayette	GPE
fsr-3378	1180	4	staten	GPE
fsr-3378	1180	5	m. e., & cate	PERSON
fsr-3378	1180	6	f. h.	PERSON
fsr-3378	1180	7	2004	DATE
fsr-3378	1183	1	harvard university	ORG
fsr-3378	1183	2	babc	GPE
fsr-3378	1184	1	sullivan	PERSON
fsr-3378	1184	2	t. a.	GPE
fsr-3378	1184	3	warren	PERSON
fsr-3378	1184	4	e., & westbrook	ORG
fsr-3378	1184	5	j. l.	PERSON
fsr-3378	1184	6	2006	DATE
fsr-3378	1186	1	stanford	ORG
fsr-3378	1186	2	59	CARDINAL
fsr-3378	1186	3	213–256	CARDINAL
fsr-3378	1187	1	t. l.	PERSON
fsr-3378	1187	2	1992	DATE
fsr-3378	1189	1	13	CARDINAL
fsr-3378	1189	2	187–202	CARDINAL
fsr-3378	1190	1	28	CARDINAL
fsr-3378	1190	2	smith et al	PERSON
fsr-3378	1190	3	27	CARDINAL
fsr-3378	1190	4	2018	DATE
fsr-3378	1190	5	1	CARDINAL